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ANALISIS TINGKAT RISIKO PEMBIAYAAN MURABAHAH, TINGKAT RISIKO PEMBIAYAAN MUSYARAKAH, FINANCING TO DEPOSIT RATIO (FDR) DAN PENGARUHNYA TERHADAP PROFITABILITAS PADA BANK PEMBIAYAAN RAKYAT SYARIAH 分析MURABAHAH融资风险、穆斯林融资风险、存款融资(FDR)以及其对伊斯兰人民融资银行盈利能力的影响
Q3 Economics, Econometrics and Finance Pub Date : 2019-09-17 DOI: 10.31000/dmj.v3i2.1961
Masturo Masturo, Samino Hendrianto
Analisis Tingkat Risiko Pembiayaan Murabahah, Musyarakah, Financing to Deposit Ratio (FDR) dan Pengaruhnya Terhadap Profitabilitas pada Bank Pembiayaan Rakyat Syariah Periode 2015-2017 yang telah di publikasikan oleh BI dan OJKTeknik sampel yang digunakan adalah purposive sampling sehingga diperoleh jumlah sampel sebanyak 3 BPRS yaitu Bank Pembiayaan Rakyat Syariah (BPRS) Amanah Rabbaniah Bandung, BPRS Berkah Ramadhan Tangerang, dan BPRS HIK Tangerang.  Teknik analisis yang digunakan dalam penelitian ini adalah regresi linear berganda. Hasil penelitian ini menyatakan bahwa secara parsial risiko pembiayaan murabahah (NPF murabahah) dan Financing to Deposit Ratio (FDR) memiliki pengaruh yang positif dan signifikan terhadap profitabilitas. Sedangkan risiko pembiayaan musyarakah (NPF musyarakah) memiliki pengaruh negatif dan signifikan terhadap profitabilitas. Kata Kunci: Risiko Pembiayaan Murabahah (NPF Murabahah), Risiko Pembiayaan Musyarakah (NPF Musyarakah), Financing to Deposit Ratio (FDR), Profitabilitas (ROA).
Murabahah融资风险水平分析、Musyarakah融资到Ratio(罗斯福)的存款,对盈利能力的影响伊斯兰人民银行融资2015-2017时期所发表的BI和OJKTeknik使用的样本是purposive从而获得抽样样本的数量多达3 BPRS伊斯兰人民银行融资(BPRS)信任Rabbaniah万隆、斋月BPRS祝福Tangerang BPRS hic唐人。本研究使用的分析技术是线性的多元回归。这项研究的结果表明,部分机会的风险是,murabahah融资(NPF murabahah)和存款存款基金(FDR)对盈利能力有积极和重要的影响。而穆斯林融资的风险(NPF是穆斯林)对盈利能力有着消极和重要的影响。关键词:
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引用次数: 1
PENGARUH MOTIVASI PELAYANAN PUBLIK, PERCEIVED ORGANIZATIONAL SUPPORT DAN ORGANIZATIONAL CITIZENSHIP BEHAVIOR TERHADAP KINERJA ORGANISASI SEKTOR PUBLIK DI KOTA TANGERANG 公共服务动机、已设立的支持组织和公民行为对唐郎市公共部门工作的影响
Q3 Economics, Econometrics and Finance Pub Date : 2019-09-17 DOI: 10.31000/dmj.v3i2.1962
Andi Kusuma Negara, R. Febrianti
Usaha yang dilakukan Pemerintah Kota Tangerang membenahi akuntanbilitas dan transparansi penyelenggaraan pemerintahan cukup berhasil. Penelitian ini bertujuan menganalisis faktor-faktor motivasi pelayanan publik, perceived organizational support dan organizational citizenship behavior yang berpengaruh terhadap peningkatan kinerja organisasi publik di Kota Tangerang. Kecenderungan motivasi pelayanan publik, perceived organizational support dan organizational citizenship behavior diduga dapat mendorong peningkatan kinerja organisasi. Dalam rangka menganalisis faktor-faktor tersebut, maka dikembangkanlah model penelitian yang dibentuk dari telaah pustaka. Model ini memiliki tiga hipotesis dengan empat variabel: motivasi pelayanan publik, perceived organizational support dan organizational citizenship behavior dan kinerja organisasi. Analisis data terhadap 115 individu yang telah berstatus pegawai tetap pada institusi publik.di Kota Tangerang dilakukan dengan menggunakan Structural Equation Modeling (SEM) sebagai alat analisis menggunakan program LISREL 8.8. Pada akhirnya, penelitian ini juga diharapkan dapat menghubungkan hasil penelitian dengan implikasi teoritis dan implikasi kebijakan manajemen Pemerintah Kota Tangerang.Kata Kunci : Motivasi Pelayanan Publik , Perceived Organizational Support, Organizational Citizenship Behavior, Kinerja Organisasi
市政府加强管理管理的透明度和透明度的努力取得了一定的成功。本研究旨在分析公共服务、已设定的组织支持和影响城市城市公共组织业绩的公民行为因素。公共服务的动机倾向、既定的组织支持和公民行动组织据称可以促进组织绩效的改善。为了分析这些因素,它建立了一个基于库研究的研究模型。该模型有三个变量的假设:公共服务动机、感知组织支持和组织行为管理和组织运作。分析公共机构共有115名永久雇员的数据。在Tangerang镇,他们使用Structural Equation Modeling (SEM)作为莉斯雷尔计划8.8的分析工具进行分析。最后,这项研究还将将研究结果与唐郎市管理政策的理论含义和影响联系起来。关键词:公共服务动机、国防支持、公民行为组织、组织表现
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引用次数: 1
HUBUNGAN SIKAP KERJA, MOTIVASI DAN KEPEMIMPINAN DENGAN KINERJA STAF PADA UNIVERSITAS MUHAMMADIYAH TANGERANG (UMT) 工作态度、动力和领导与穆罕默德大学工作人员表现的关系
Q3 Economics, Econometrics and Finance Pub Date : 2019-06-25 DOI: 10.31000/dmj.v3i1.1713
Sugeng Siswondo
Sugeng Siswondo, Hubungan Sikap Kerja, Motivasi Dan Kepemimpinan dengan Kinerja Staf Pada Universitas Muhammadiyah Tangerang (UMT). Tujuan penelitian adalah untuk mengetahui apakah terdapat hubungan Sikap Kerja, Motivasi dan Kepemimpinan dengan Kinerja Staf Pada UMT . Methode penelitian yang digunakan adalah methode penelitian Survei. Responden adalah Staf pada UMT. Type penelitian ini adalah penelitian penjelasan (explanatory research), karena penelitian ini menjelaskan hubungan Sikap Kerja, motivasi dan Kepemimpinan dengan Kinerja Staf. Pengumpulan data dilakukan melalui kuisioner. Analisis data menggunakan analisis regresi berganda.Hasil penelitian menunjukan bahwa Sikap Kerja, motivasi dan Kepemimpinan berhubungan dengan pruduktivitas kerja Staf UMT, dengan kontribusi determinasi (R2) sebesar 0,264 atau 26,4%, Dijelaskan oleh variabel lain diluar konsep penelitian dan persamaan regresi yang dihasilkan adalah Y=56,033+0,322X1+0,119X2-0,210X3. Hasil penelitian menunjukan bahwa variabel sikap kinerja lebih kuat berhubungan dengan Kinerja Staf UMT yaitu sebesar 0,322, sedangkan hubungan variabel Sikap Kerja sebesar 0,322 dan hubungan variabel Kepemimpinan sebesar -0,210.Dari hasil penelitian juga disimpulkan bahwa Kinerja Staf UMT akan semakin meningkat apabila Sikap Kerja, motivasi, dan Kepemimpinan lebih baik. Sikap Kerja dapat ditingkatkan dengan memberikan pelatihan Sikap Kerja yang lebih bermutu lagi, Motivasi dapat dilakukan dengan mendorong Staf untuk melakukan karya inovatif, memberikan penghargaan kepada Staf yang berprestasi dan secara bersama-sama membuat rencana dan menetapkan tujuan yang dicapai lembaga.
sugangsiswondo,职业关系、动力和领导关系,以及Muhammadiyah Tangerang (UMT)大学的工作人员表现。研究的目的是确定UMT的工作态度、动机和领导与员工绩效是否有联系。研究方法是调查研究方法。受访者是UMT的工作人员。这种研究类型是一种解释研究,因为它描述了工作态度、动力和领导与工作表现的关系。数据收集是通过问卷进行的。使用多个回归分析进行数据分析。研究结果表明,工作态度、动机和领导态度与UMT员工工作的主动性相关,以及确定的贡献(R2)为0.264或26.4%,由其他变量定义为Y=56,033或26.4%,其结果的回归方程是Y=56,033+ 0.322x1 + 0.119x2 - 0.210x3。研究表明,绩效变量与UMT员工绩效的强相关,而UMT工作关系为0.322,而领导关系为- 0.210。研究还表明,随着工作态度、动机和领导能力的提高,UMT的员工表现将会增加。工作态度可以通过提供更好的工作态度培训来提高,动力可以通过鼓励员工进行创新工作、奖励优秀员工以及共同制定计划和设定该协会的目标来实现。
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引用次数: 0
PENGARUH BEBAN KERJA DAN KOMUNIKASI TERHADAP PRODUKTIVITAS KERJA KARYAWAN PADA PT WONEEL MIDAS LEATHERS DI TANGERANG 工作负荷和沟通对员工工作效率的影响
Q3 Economics, Econometrics and Finance Pub Date : 2019-06-24 DOI: 10.31000/DMJ.V3I1.1708
Siti Nursiah
Penelitian ini bertujuan untuk mengetahui Pengaruh beban kerja dan komunikasi terhadap produktivitas kerja karyawan pada PT. Woneel Midas Leathers di Tangerang. Metode penelitian ini menggunakan penelitian kuantitatif. Jumlah populasi yang penelitian ini sebanyak 200 dengan jumlah sampel sebanyak 67 orang dengan taraf kesalahan 10%. Data yang dikumpulkan menggunakan metode angket dengan skala Likert dan wawancara. Metode analisis penelitian ini menggunakan (1) Uji Validitas, (2) Uji reabilitas, (3) Analisis regresi sederhana, (4) Analisis regresi berganda, (5) Analisis korelasi sederhana, (6) Analisisis korelasi berganda, (7) Analisisi koefisien determinasi, (8) Uji t, (9) Uji f.Hasil penelitian ini menunjukkan bahwa: (1) Beban Kerja berpengaruh terhadap Produktivitas kerja karyawan dapat dilihat dari hasil perhitungan analisis regresi sederhana yaitu Y = 22,550 + 0,441X1. (2) Komunikassi berpengaruh terhadap Produktivitas Kerja Karyawan dari hasil perhitungan analisis regresi sederhana yaitu Y = 22,240 + 0,439X2. (3) beban kerja dan komunikasi berpengaruh terhadap produktivitas kerja dapat dilihat dari hasil perhitungan analisis regresi ganda yaitu Y = 16,739 + 0.268X1 + 0.324X2. (4) R Square Beban Kerja dan Komuikasi dengan Produktivitas Kerja adalah sebesar 0.503.Kata Kunci: Beban Kerja, Komunikasi, Produktivitas Kerja Karyawan
本研究旨在探讨工作负荷和沟通对唐郎员工工作效率的影响。这种研究方法采用定量研究。这项研究的人口为200人,样本为67人,误差为10%。数据是用利基特量表和访谈法收集的。这个研究分析方法使用(1)可靠性测试的有效性,(2),(3)最简单的回归分析,(4)回归分析乘数(5)简单的相关性分析,(6)一道多项Analisisis相关性,(7)滑动系数Analisisi决心,t(8)测试,测试(9)f。这项研究结果显示:(1)生产力影响员工工作的工作量可以从简单的回归分析计算结果,即Y = 22,550 0,441X1 +。(2)由于简单回归分析Y = 22.240 + 0.439x2的计算结果,通勤影响了员工的工作生产力。(3)工作负荷和沟通对工作效率的影响可以从对工作效率的双重分析计算出来:Y = 16.739 + 0268x1 + 0324x2。(4)工作负荷和工作效率的计算是千分之三。关键词:工作量、沟通能力、员工生产力
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引用次数: 0
HOW DIGITALIZATION CHANGES THE WORKPLACE 数字化如何改变工作场所
Q3 Economics, Econometrics and Finance Pub Date : 2019-05-20 DOI: 10.17708/DRMJ.2019.V08N01A01
Anamarija Cijan, Lea Jenič, Amadeja Lamovšek, Jakob Stemberger
This article examines how digitalization affects the workplace. Digitalization has been changing organizations from the discovery of the internet forward. Nowadays people cannot imagine business or their personal lives without digital technologies. Digitalization has created many challenges as well as excellent opportunities for organizations. Most existing studies examined the role of digitalization on business performance and worker productivity. We focus specifi‐ cally on job satisfaction, work/life balance, and worker autonomy as three under‐researched areas of academic inquiry. We suggest that digitalization improves job satisfaction, blurs work/life balance, and promotes more worker autonomy. This research is based on answers collected with an online survey of 98 individual employees, working professionals across industries and disciplines. We analyze gathered data with one‐sample t‐tests and support all three hypotheses. Findings from the research can help managers better understand the importance and the effects of the digitalization. Because digitalization at work brings challenges and as well opportunities, it is important for managers to understand them completely in order to eliminate the risks and increase the favorable effects.
本文探讨了数字化如何影响工作场所。自互联网被发现以来,数字化一直在改变着组织。如今,人们无法想象没有数字技术的商业或个人生活。数字化给企业带来了许多挑战,同时也带来了极好的机遇。现有的大多数研究都考察了数字化对企业绩效和工人生产率的作用。我们特别关注工作满意度,工作/生活平衡和员工自主性作为学术探究的三个研究领域。我们认为数字化提高了工作满意度,模糊了工作与生活的平衡,并促进了更多的员工自主性。这项研究是基于对98名员工的在线调查收集的答案,这些员工是各行各业的专业人士。我们用单样本t检验分析收集的数据,并支持所有三个假设。研究结果可以帮助管理者更好地理解数字化的重要性和影响。因为数字化在工作中既带来了挑战,也带来了机遇,为了消除风险,增加有利效果,管理者必须充分了解这些挑战。
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引用次数: 28
HR BRANDING AND THE POTENTIAL VALUE: EMPIRICAL EVIDENCE AND PRACTICAL IMPLICATIONS 人力资源品牌化及其潜在价值:经验证据与实践意义
Q3 Economics, Econometrics and Finance Pub Date : 2019-05-20 DOI: 10.17708/DRMJ.2019.V08N01A04
E. Brzovska, Stojan Debarliev, Aleksandra Janeska – Iliev
Despite the growing popularity of the employer branding concept, academic research on the topic is limited; this is piv‐ otal and pioneer research in the Republic of North Macedonia. This research investigates the possible factors that might affect the specific dimensions of firms’ HR branding, such as employer branding, internal branding, and total rewards branding. Different parametric and non‐parametric tests were run to determine if there were group differences in em‐ ployer branding, internal branding, and total rewards branding scores between groups within eight evaluated variables divided into three categories: demographics of respondents (age, gender, and educational level), firm characteristics (size, industry sector, and ownership origin), and professional characteristics of respondents (job level position and cus‐ tomer contact level). The results confirm the expected differences in some of the evaluated HR branding dimensions between employees with different professional characteristics (job level position and customer contact level). Abstract
尽管雇主品牌概念越来越受欢迎,但关于这一主题的学术研究有限;这是北马其顿共和国的关键性和开拓性研究。本研究探讨了可能影响企业人力资源品牌化具体维度的因素,如雇主品牌化、内部品牌化和总奖励品牌化。我们进行了不同的参数和非参数测试,以确定在8个评估变量(分为三类:受访者的人口统计数据(年龄、性别和教育水平)、公司特征(规模、行业部门和所有权来源)和受访者的专业特征(工作水平、职位和客户接触水平)中,各组之间在新兴市场参与者品牌、内部品牌和总奖励品牌得分方面是否存在群体差异。结果证实了不同职业特征(工作级别职位和客户接触级别)的员工在某些被评估的人力资源品牌维度上的预期差异。摘要
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引用次数: 0
THE ROLE OF HUMAN RESOURCE MANAGEMENT IN RETAINING TALENT: EMPIRICAL ANALYSIS OF YOUTH IN THE REPUBLIC OF NORTH MACEDONIA 人力资源管理在人才保留中的作用:北马其顿共和国青年的实证分析
Q3 Economics, Econometrics and Finance Pub Date : 2019-05-01 DOI: 10.17708/DRMJ.2019.V08N01A03
Ljupčo Eftimov, Andrijana Ristovska
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引用次数: 1
INDIVIDUAL AND SOCIAL ASPECTS OF GLOBAL HUMAN RESOURCES STAFFING 个人和社会方面的全球人力资源配置
Q3 Economics, Econometrics and Finance Pub Date : 2019-05-01 DOI: 10.17708/DRMJ.2019.V08N01A05
Mimoza Bogdanoska Jovanovska, T. Ivanović
Globalization has become one of the most influential trends in the business environment in recent decades. Since com‐ panies started to spread their operations beyond national borders and to employ people originating from different countries, new challenges for human resource management have emerged. This paper ascertains, summarizes, and explains specificities of staffing in an international context, theories dealing with global staffing, and basic approaches to the staffing process in order to identify various determinants which may affect the process of choosing an appro‐ priate staffing policy in multinational companies, i.e., the decision‐making process about staffing of global managers in an international business environment. Various research has shown that the success of a global manager depends not only on the employee’s personality and adaptability to different cultures, but also on the willingness and readiness of his or her family members to move to a foreign country. The conclusion of this paper is that staffing decisions for global managers, in addition to technical competencies and expertise, should take into consideration different indi‐ vidual and social factors (i.e., different personal attributes and skills, as well as specific requirements of a manager’s family) and that selection procedures should be customized to enable determining the best individuals for managerial positions in foreign subsidiaries of multinational companies, who will be able to fit into the new environment quickly and easily and perform the job in an expected manner.
近几十年来,全球化已成为商业环境中最具影响力的趋势之一。由于网络公司开始将其业务扩展到国界之外,并雇用来自不同国家的人员,人力资源管理出现了新的挑战。本文确定、总结并解释了国际背景下人员配置的特殊性、处理全球人员配置的理论以及人员配置过程的基本方法,以确定可能影响跨国公司选择合适的人员配置政策过程的各种决定因素,即国际商业环境中全球经理人员配置的决策过程。各种研究表明,全球经理的成功不仅取决于员工的个性和对不同文化的适应能力,还取决于其家庭成员移居国外的意愿和准备程度。本文的结论是,除了技术能力和专业知识外,全球经理的人员配置决策还应考虑到不同的个人和社会因素(即,不同的个人属性和技能,以及经理家庭的具体要求),并且应该定制选择程序,以便能够确定跨国公司外国子公司管理职位的最佳人选。能够快速轻松地适应新环境,并以预期的方式完成工作。
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引用次数: 1
HRM‐CULTURE FIT: WHY THE LINK BETWEEN HUMAN RESOURCE PRACTICES AND COMMITMENT VARIES ACROSS COUNTRIES 人力资源-文化契合度:为什么人力资源实践与承诺之间的联系因国家而异
Q3 Economics, Econometrics and Finance Pub Date : 2019-05-01 DOI: 10.17708/DRMJ.2019.V08N01A02
Deimante Gutauskaite, F. Koster
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引用次数: 1
PENGARUH KECUKUPAN MODAL TREHADAP MANAJEMEN RISIKO LIKUIDITAS BANK PERKREDITAN RAKYAT (Studi Empiris Pada Bank Prekreditan Rakyat di Kota Tangerang) 资本扩张对公共信贷银行流动性风险管理的影响(在唐郎市对公共信贷银行的实证研究)
Q3 Economics, Econometrics and Finance Pub Date : 2019-04-23 DOI: 10.31000/dmj.v3i1.1542
H. Febrianto, Rabitha Fazira
Penelitian ini bertujuan untuk menganalisis manajemen risiko likuiditas BPR di Kota Tangerang melalui kecukupan modal dengan tujuan akhir merekomendasikan kebijakan untuk memperbaiki manajemen risiko likuiditas BPR. Jenis penelitian ini menggunakan jenis penelitian eksplanatori dengan pendekatan kuantitatif. Analisis data dalam penelitian menggunakan analisis regresi linier berganda pada panel data laporan keuangan 20 BPR di Tangerang dari tahun 2012 sampai 2016. Ada dua kelompok variabel yang digunakan dalam penelitian ini. Variabel terikat dalam penelitian ini adalah risiko likuiditas diukur dengan current ratio. kecukupan modal diukur dengan capital adequacy ratio ( CAR ). Hasil penelitian ini menunjukkan bahwa kecukupan modal berpengaruh signifikan terhadap Manajemen Risiko Likuiditas pada Bank Perkreditan Rakyat..Kata Kunci : Kecukupan Modal dan Manajemen Risiko Likuiditas
本研究旨在通过足够的资本来分析Tangerang市BPR流动性风险管理,最终的目标是建议改善BPR流动性风险管理的政策。这类研究采用定量方法进行实验类型的研究。利用2012年至2016年在Tangerang数据报告面板上的20台BPR进行研究中的数据分析。本研究使用了两个变量组。该研究中结合的变量是用交流电来衡量流动性的风险。资本总额是用广告买进(汽车)来衡量的。研究结果表明,资本充分性对人民信贷银行的流动性风险管理有着重大影响
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引用次数: 0
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Dynamic Relationships Management Journal
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